What does FD CONSEILS do?

FD CONSEILS is an insurance broker in Chapelle-lez-Herlaimont. Private Limited, started on 10 July 2002, 1 establishment.

What is the address of FD CONSEILS?

The registered office of FD CONSEILS is located at Rue Robert 35, 7160 Chapelle-lez-Herlaimont.

Is FD CONSEILS still active?

Yes. According to the CBE (30 October 2026) FD CONSEILS is active, legal situation “Normale toestand”, started on 10 July 2002.

Is FD CONSEILS registered on Peppol?

No, FD CONSEILS is currently not registered on the Peppol network.

What is the enterprise number of FD CONSEILS?

The enterprise number of FD CONSEILS is BE0477952553.

When was FD CONSEILS founded?

FD CONSEILS was founded on 10 July 2002.

Who are the directors of FD CONSEILS?

According to the 2025 annual accounts, the directors of FD CONSEILS are: Arnaud De Ganseman, Dominique Bruniaux, Pierre De Ganseman.

Is FD CONSEILS a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 10 July 2002; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account.

How much profit did FD CONSEILS make in 2025?

FD CONSEILS posted a profit after taxes of € 18,689 in financial year 2025.

What is the revenue of FD CONSEILS?

As a small company, FD CONSEILS is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 499,381.

FD CONSEILS (Private Limited) - Chapelle-lez-Herlaimont

Dossier FD CONSEILS, printed on 30 October 2026 from databakkes.be/en/0477952553/fd-conseils. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

FD CONSEILS from Chapelle-lez-Herlaimont, company number BE0477952553, closed financial year 2025 with a result of € 18,689 after tax. For that financial year FD CONSEILS recorded a gross margin of € 499,381 and equity of € 113,782. Compared with financial year 2024, the result moved from € 12,603 to € 18,689. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 13, 2026.

What it is worth Growing

€ 113,782

▲ 20% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 18,689

▲ 48% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 142,788

▲ 3% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 95,182.

People and assets in 2025

Wage cost

€ 21,156

▼ 1% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 56,465

▼ 26% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 5 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 121,504

▲ 98% vs 2024

€ 23,197 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.

Owed to suppliers

€ 121,749

▲ 38% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 19,468

▲ 38% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 476,504 Gross margin 2022: € 476,504 First fiscal year in the series	€ 464,408 Gross margin 2023: € 464,408 ▼ 3% vs 2022 (€ 476,504) Unfavourable step	€ 567,199 Gross margin 2024: € 567,199 ▲ 22% vs 2023 (€ 464,408) Favourable step	€ 499,381 Gross margin 2025: € 499,381 ▼ 12% vs 2024 (€ 567,199) Unfavourable step	▼ 12%
Profit after taxes	€ 7,651 Profit after taxes 2022: € 7,651 First fiscal year in the series	€ 10,114 Profit after taxes 2023: € 10,114 ▲ 32% vs 2022 (€ 7,651) Favourable step	€ 12,603 Profit after taxes 2024: € 12,603 ▲ 25% vs 2023 (€ 10,114) Favourable step	€ 18,689 Profit after taxes 2025: € 18,689 ▲ 48% vs 2024 (€ 12,603) Favourable step	▲ 48%
Equity	€ 108,090 Equity 2022: € 108,090 First fiscal year in the series	€ 82,490 Equity 2023: € 82,490 ▼ 24% vs 2022 (€ 108,090) Unfavourable step	€ 95,093 Equity 2024: € 95,093 ▲ 15% vs 2023 (€ 82,490) Favourable step	€ 113,782 Equity 2025: € 113,782 ▲ 20% vs 2024 (€ 95,093) Favourable step	▲ 20%
Total debts	€ 131,750 Total debts 2022: € 131,750 First fiscal year in the series	€ 203,173 Total debts 2023: € 203,173 ▲ 54% vs 2022 (€ 131,750) Unfavourable step	€ 172,967 Total debts 2024: € 172,967 ▼ 15% vs 2023 (€ 203,173) Favourable step	€ 268,688 Total debts 2025: € 268,688 ▲ 55% vs 2024 (€ 172,967) Unfavourable step	▲ 55%
Cash	€ 140,867 Cash 2022: € 140,867 First fiscal year in the series	€ 143,398 Cash 2023: € 143,398 ▲ 2% vs 2022 (€ 140,867) Favourable step	€ 138,407 Cash 2024: € 138,407 ▼ 3% vs 2023 (€ 143,398) Unfavourable step	€ 142,788 Cash 2025: € 142,788 ▲ 3% vs 2024 (€ 138,407) Favourable step	▲ 3%
Land & buildings	-	-	-	€ 100,000 Land & buildings 2025: € 100,000 First fiscal year in the series
Retained profit	€ 89,490 Retained profit 2022: € 89,490 First fiscal year in the series	€ 63,890 Retained profit 2023: € 63,890 ▼ 29% vs 2022 (€ 89,490) Unfavourable step	€ 76,493 Retained profit 2024: € 76,493 ▲ 20% vs 2023 (€ 63,890) Favourable step	€ 95,182 Retained profit 2025: € 95,182 ▲ 24% vs 2024 (€ 76,493) Favourable step	▲ 24%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 35,714 Dividend 2023: € 35,714 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 ▼ 100% vs 2023 (€ 35,714) Unchanged	€ 0 Dividend 2025: € 0 Unchanged (€ 0) Unchanged
Bank debt	€ 37,439 Bank debt 2022: € 37,439 First fiscal year in the series	€ 81,067 Bank debt 2023: € 81,067 ▲ 117% vs 2022 (€ 37,439) Unfavourable step	€ 61,479 Bank debt 2024: € 61,479 ▼ 24% vs 2023 (€ 81,067) Favourable step	€ 121,504 Bank debt 2025: € 121,504 ▲ 98% vs 2024 (€ 61,479) Unfavourable step	▲ 98%
Balance sheet total	€ 239,840 Balance sheet total 2022: € 239,840 First fiscal year in the series	€ 285,663 Balance sheet total 2023: € 285,663 ▲ 19% vs 2022 (€ 239,840) Unchanged	€ 268,060 Balance sheet total 2024: € 268,060 ▼ 6% vs 2023 (€ 285,663) Unchanged	€ 382,470 Balance sheet total 2025: € 382,470 ▲ 43% vs 2024 (€ 268,060) Unchanged	▲ 43%

Key figures of FD CONSEILS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to FD CONSEILS?

What happened at FD CONSEILS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jun 13, 2026 New annual accounts for financial year 2025: profit of € 18,689 (▲ 48% vs 2024). Source: NBB ↗
Nov 7, 2002 New establishment in Chapelle-lez-Herlaimont. KBO
Jul 10, 2002 Start of the company according to the CBE. KBO

In short

From € 7,651 profit in 2022 to € 18,689 profit in 2025.

Paid € 25,703 in corporate taxes since 2022.

Best year ever: 2025, with € 18,689 profit.

Paid out € 35,714 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Arnaud De Ganseman Dominique Bruniaux Pierre De Ganseman

FINANCIERE DE CHAPELLE

FD CONSEILS

F.D.G. FINANCIERE DE GODARVILLE

Behind FD CONSEILS are Arnaud De Ganseman, Dominique Bruniaux and Pierre De Ganseman. The same people are also behind FINANCIERE DE CHAPELLE. Pierre De Ganseman is also behind F.D.G. FINANCIERE DE GODARVILLE.

Directors

According to the 2025 annual accounts

Arnaud De Ganseman

Director

Also active at: FINANCIERE DE CHAPELLE

Dominique Bruniaux

Associate

Also active at: FINANCIERE DE CHAPELLE

Pierre De Ganseman

Director

Also active at: F.D.G. FINANCIERE DE GODARVILLE, FINANCIERE DE CHAPELLE

Establishments

Establishment units

Physical locations of this company

Registered office

Rue Robert 35

7160 Chapelle-lez-Herlaimont

2.115.089.057

Rue Barella 34

7160 Chapelle-lez-Herlaimont

Active since 7 November 2002

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0477.952.553
VAT number: BE 0477.952.553
Registered office: Rue Robert 35, 7160 Chapelle-lez-Herlaimont
Names & denominations: FD CONSEILS
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 10 July 2002
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗